Call reports 2011
F&M BANK — 2011
What F&M BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 791,947,000 | 781,156,000 | 792,119,000 | 790,637,000 |
| Total loans | 609,015,000 | 615,754,000 | 628,420,000 | 633,030,000 |
| Allowance for loan losses | 5,683,000 | 5,599,000 | 4,387,000 | 7,003,000 |
| Securities available for sale | 80,315,000 | 84,670,000 | 83,151,000 | 81,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,612,000 | 646,017,000 | 645,528,000 | 644,418,000 |
| Interest-bearing deposits | 588,183,000 | 571,519,000 | 570,379,000 | 568,852,000 |
| Noninterest-bearing deposits | 70,429,000 | 74,498,000 | 75,150,000 | 75,565,000 |
| Equity capital | 59,826,000 | 60,918,000 | 61,634,000 | 62,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 9,404,000 | 18,651,000 | 27,985,000 | 37,119,000 |
| Interest expense | 2,217,000 | 4,296,000 | 6,169,000 | 7,862,000 |
| Net interest income | 7,187,000 | 14,355,000 | 21,816,000 | 29,257,000 |
| Noninterest income | 2,106,000 | 4,775,000 | 7,919,000 | 11,047,000 |
| Noninterest expense | 7,284,000 | 14,859,000 | 22,204,000 | 30,174,000 |
| Provision for loan losses | 150,000 | 868,000 | 2,755,000 | 2,869,000 |
| Pretax income | 1,859,000 | 3,569,000 | 5,474,000 | 7,915,000 |
| Income tax | 392,000 | 793,000 | 1,329,000 | 2,145,000 |
| Net income | 1,317,000 | 2,485,000 | 3,714,000 | 5,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,650,000 | 67,118,000 | 67,248,000 | 67,712,000 |
| Total capital | 72,346,000 | 72,742,000 | 71,689,000 | 74,763,000 |
| Risk-weighted assets | 606,037,000 | 611,960,000 | 615,958,000 | 613,740,000 |